West Bromwich Building Society Balance Sheet Health
Financial Health criteria checks 2/6
West Bromwich Building Society has total assets of £5.7B and total equity of £438.0M. Total deposits are £137.2M, and total loans are £4.4B earning a Net Interest Margin of 1.4%. It has insufficient allowance for bad loans, which are currently at 5.9% of total loans. Cash and short-term investments are £647.2M.
Key information
12.9x
Asset to equity ratio
1.4%
Net interest margin
Total deposits | UK£137.20m |
Loan to deposit ratio | High |
Bad loans | 5.9% |
Allowance for bad loans | Low |
Current ratio | Good |
Cash & equivalents | UK£647.20m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: WBROM's Assets to Equity ratio (12.9x) is moderate.
Allowance for Bad Loans: WBROM has a low allowance for bad loans (36%).
Low Risk Liabilities: 97% of WBROM's liabilities are made up of primarily higher risk sources of funding.
Loan Level: WBROM has an appropriate level of Loans to Assets ratio (78%).
Low Risk Deposits: WBROM's Loans to Deposits ratio (3231%) is high.
Level of Bad Loans: WBROM has a high level of bad loans (5.9%).